Patriot Platinum International is a premium travel medical insurance plan designed for U.S. citizens traveling outside the United States. Patriot Platinum International is a comprehensive plan offering coverage including medical expenses, emergency medical evacuation, and other travel-related benefits.
Patriot Platinum International
Patriot Platinum International
The Patriot Platinum International plan is a comprehensive travel medical insurance plan designed for individuals and families traveling outside their home country. The area of coverage is worldwide, excluding the insured person’s country of residence and the United States. It is suitable for U.S. citizens traveling outside the U.S. and non-U.S. citizens traveling outside their home country. It is ideal for travelers seeking the highest level of coverage and service in a short-term travel medical plan.
The plan is available for a minimum of 5 days up to 12 months, with a minimum eligible age of 14 days. It provides first-class protection with high policy maximums ranging from $2,000,000 to $8,000,000 and deductible options from $0 to $25,000. After the deductible is satisfied, the plan pays 100% of eligible medical expenses up to the policy maximum. The plan also offers coverage for the acute onset of pre-existing conditions for individuals below 70 years of age.
Additionally, the plan includes benefits such as coverage for medical expenses, emergency room and intensive care, emergency medical evacuation, repatriation of remains, and other travel-related benefits, including COVID-19 coverage. Patriot Platinum International is underwritten by SiriusPoint Specialty Insurance Corporation, which holds an A- "Excellent" rating from A.M. Best.
Key Highlights
- Coverage for Acute Onset of Pre-Existing Conditions
- Maximum Limits from $2,000,000 to $8,000,000
- 100% coinsurance up to the maximum limit
- Incidental Emergency coverage in the U.S. up to 14 days
- Coverage period available from 5 days to 12 months
- Emergency Medical Evacuation coverage included
- COVID-19 covered same as any other illness
- Travel Intelligence services included
- Telehealth services included
- Evacuation Plus benefit included
- Optional add-ons available including Adventure Sports Rider, AD&D, Device Protection Rider and Trip Cancellation & Interruption
Note:
Please review Patriot Platinum International policy documents for complete coverage and exclusions.
Best Suitable Plan For
Plan Details
| Insurance Provider | IMG |
| Plan Underwriter | SiriusPoint Speciality Insurance Corporation |
| Plan Category | Travel Medical Insurance |
| Plan Type | Comprehensive Coverage |
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
| Dr. / Physician Visit | In-Network Not Available Out-Network 100% up to policy maximum |
| Urgent Care | In-Network Not Available Out-Network $25 copay, 100% up to Policy Maximum |
| Surgical Treatment | In-Network Not Available Out-Network 100% up to policy maximum |
| Prescription Drugs / Medicines | 100% up to policy maximum |
| Lab & X-rays | In-Network Not Available Out-Network 100% up to policy maximum |
| Physical Therapy | 100% covered |
In-Patient
Medical treatment that includes an overnight stay at a hospital.
| Hospital Room and Board | In-Network Not Available Out-Network Average semi-private room and rate |
| Surgical Treatment | In-Network Not Available Out-Network 100% up to policy maximum |
| Hospital Intensive Care Unit | 100% covered |
| Dr. / Physician Visit | In-Network Not Available Out-Network 100% up to Policy Maximum |
Emergency Services
Hospital emergency services (certain limits may apply).
| Ambulance Expenses | In-Network Not Available Out-Network Up to policy maximum |
| Emergency Room | In-Network Not Available Out-Network 100% up to policy maximum |
Dental Coverage
Treatment for injury to or acute and spontaneous pain in sound natural teeth.
| Acute, spontaneous and unexpected pain | Up to $300 |
| Accidental emergency | 100% covered |
| Dental Emergency | Up to $300 |
Travel Coverage
Travel-related coverage
| Emergency Medical Evacuation / Repatriation | 100% up to policy maximum |
| Return of mortal remains | Coverage up to a maximum of $50,000 for return of mortal remains to the insured's home country or up to $5,000 for the preparation, local burial and cremation of your mortal remains at the place of death. |
| Emergency Reunion | Up to $100,000 |
| Return of minor child(ren) | Up to $100,000 |
| Trip Interruption | No Coverage |
| Loss of checked baggage | $50 per item up to $500 maximum per period of coverage |
| US Border Entry Protection | Not covered |
| Return of Mortal Remains | 100% up to policy maximum |
| Trip Delay | No coverage |
| Lost Luggage | Up to $500, $50 per item |
| Terrorism | Up to $50,000 |
| Personal Liability | Up to $25,000 |
| Identity Theft | Up to $500 |
| Legal Fees | No coverage |
| Lost or Stolen Passport | No coverage |
| Missed Connection | No coverage |
Life Coverage
Life coverage
| AD&D | Up to $50,000 |
| Common Carrier Accidental Death | Up to $100,000 per Adult; $25,000 per child , to the maximum of $250,000 per family |
Support
Support
| 24-Hrs Emergency Assistance | Yes. Contact number and details can be found on the ID card. |
Other
Other types of coverage not mentioned above.
| COVID-19 Coverage | This plan will cover COVID-19 the same as any other eligible medical condition. |
| Pre-Existing Conditions | Acute onset of a pre-existing condition coverage, with varying limits by age, up to $1,000,000 for those under 70 years old . For people 70 years & over there is no coverage for acute onset of pre-exiting conditions. $25,000 maximum limit for emergency medical evacuation |
| Maternity | Not Covered |
| General Physical full Checkup | Not Covered |
| Terrorism Coverage | 100% Covered |
| Brochure | Patriot Platinum International Insurance Brochure |
| Doctor Wellness Visit | No Coverage |
| Preferred Rates | Not Available |
Medical Coverage
Medical coverage details.
| Eligible Medical Expenses | In-Network Not Available Out-Network 100% up to policy maximum |
Pre-existing Conditions
Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.
| Pre-Existing Conditions | Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions: Pre-Existing Diabetes: Not Covered Pre-Existing Hypertension: Not Covered Pre-Existing Heart Conditions: Not Covered Please review your policy document for any other limits or exclusions. |
| Acute onset Pre-Existing Condition | up to $1,000,000 : Age 69 and below |
COVID-19 Benefits
Covid-19 related benefits and coverage
| COVID-19 Medical Coverage | This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions. |
| COVID-19 Testing | Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date |
| COVID-19 Vaccine/Booster | No Coverage |
| COVID-19 Quarantine Coverage | No Coverage |
Patriot Platinum International FAQS
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What is Patriot Platinum International insurance?
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Who is eligible for Patriot Platinum International insurance?
Patriot Platinum International plan is available to U.S. citizens and permanent residents traveling outside their home country. It also provides coverage for brief returns to the U.S.
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What are the coverage options for Patriot Platinum International?
Patriot Platinum International offers medical maximum limits of $2,000,000, $5,000,000, or $8,000,000. The plan includes a range of benefits such as hospital room and board, intensive care, medical expenses, outpatient medical expenses, local ambulance services, emergency medical evacuation, emergency reunion, political evacuation, accidental death and dismemberment, return of mortal remains, and coverage for the acute onset of pre-existing conditions up to $1,000,000.
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What is the duration of coverage for Patriot Platinum International?
Coverage can be purchased for a minimum of 5 days up to a maximum of 3 years. The plan is renewable, allowing travelers to extend their coverage as needed, up to the maximum duration.
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Are there deductible options available?
Yes, Patriot Platinum International offers a variety of deductible options, including $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000, or $25,000. You can choose the deductible that best fits your needs and budget.
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Does the plan cover acute onset of pre-existing conditions?
Yes, for travelers under age 70, the plan provides coverage for acute onset of pre-existing conditions up to $1,000,000.
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Is COVID-19 coverage included in the plan?
Yes, charges for treatment resulting from COVID-19 are covered the same as any other illness under the Patriot Platinum International plan.
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What is the coinsurance structure for this plan?
The plan offers 100% coinsurance up to the maximum limit, meaning it pays 100% of eligible expenses after the deductible is met, reducing out-of-pocket costs for the insured.
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How can I purchase Patriot Platinum International insurance?
You can purchase the plan online from OnshoreKare, compare quotes and coverage options to ensure the plan meets your specific travel needs.